FCF director granted 2,704 shares as retainer

FIRST COMMONWEALTH FINANCIAL CORP director Aradhna M. Oliphant received an award of 2,704 shares of Common Stock as payment of her director retainer, based on the NYSE closing price of $18.41 on April 30, 2026.

Rhea-AI Filing Summary

FIRST COMMONWEALTH FINANCIAL CORP director Aradhna M. Oliphant received an award of 2,704 shares of Common Stock as payment of her director retainer, based on the NYSE closing price of $18.41 on April 30, 2026. This is a stock-based compensation grant, not an open-market purchase.

After this grant, she directly owns 24,297 shares of Common Stock. This total includes 158 shares acquired earlier in February 2026 through automatic dividend reinvestment as part of the company’s dividend reinvestment plan.

Insider Trade Summary

Grant/Award: 2,704 shares

Grant/Award 1 txn

Insider OLIPHANT ARADHNA M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,704	$18.41	$50K

Holdings After Transaction: Common Stock — 24,297 shares (Direct)

Footnotes (2)

1. F1. Shares issued as payment of Ms. Oliphant's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan (based on NYSE/FCF closing price on 04.30.26).
2. F2. Includes 158 shares purchased from the automatic reinvestment of dividends in February 2026 as a participant in First Commonwealth's dividend reinvestment plan.

Key Figures

Director retainer grant: 2,704 shares Grant reference price: $18.41 per share Shares after transaction: 24,297 shares +1 more

4 metrics

Director retainer grant 2,704 shares Common Stock award as director retainer

Grant reference price $18.41 per share Based on NYSE/FCF closing price on April 30, 2026

Shares after transaction 24,297 shares Total Common Stock directly owned after grant

Dividend reinvestment shares 158 shares Purchased via dividend reinvestment in February 2026

Key Terms

Director Retainer Plan, dividend reinvestment plan, Common Stock

3 terms

Director Retainer Plan financial

"payment of Ms. Oliphant's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan"

dividend reinvestment plan financial

"automatic reinvestment of dividends in February 2026 as a participant in First Commonwealth's dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

Common Stock financial

"Shares issued as payment of Ms. Oliphant's retainer for service as a director"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did FIRST COMMONWEALTH FINANCIAL (FCF) director Aradhna Oliphant report on this Form 4?

She reported receiving 2,704 shares of Common Stock as a stock-based retainer for board service. The shares were issued under First Commonwealth’s Director Retainer Plan, using the NYSE closing price on April 30, 2026 to determine the share amount.

Is the FCF Form 4 transaction an open-market buy or a compensation grant?

The transaction is a compensation grant, not an open-market purchase. The 2,704 shares of Common Stock were issued as payment of Ms. Oliphant’s director retainer, consistent with the company’s Director Retainer Plan rather than discretionary buying in the market.

How many FIRST COMMONWEALTH FINANCIAL (FCF) shares does Aradhna Oliphant hold after this transaction?

After the grant, she directly holds 24,297 shares of Common Stock. This figure includes the 2,704-share retainer award reported in this filing and 158 shares accumulated earlier through automatic dividend reinvestment in February 2026.

At what price was the FCF director retainer stock grant calculated?

The 2,704-share grant was valued using a price of $18.41 per share. That price reflects the NYSE closing price for FCF on April 30, 2026, as specified in the Director Retainer Plan used to calculate the number of shares issued.

What does the dividend reinvestment footnote mean in this FCF Form 4?

The footnote explains that Ms. Oliphant’s holdings include 158 shares purchased through dividend reinvestment. In February 2026, cash dividends on her FCF stock were automatically used to buy additional shares under First Commonwealth’s dividend reinvestment plan.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/01/2026 - 03:14 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

OLIPHANT ARADHNA M

(Last) (First) (Middle)

601 PHILADELPHIA STREET

(Street)

INDIANA PENNSYLVANIA 15701

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FIRST COMMONWEALTH FINANCIAL CORP /PA/ [ FCF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/01/2026		A(1)		2,704	A	$18.41(1)	24,297(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares issued as payment of Ms. Oliphant's retainer for service as a director pursuant to the First Commonwealth Financial Corporation Director Retainer Plan (based on NYSE/FCF closing price on 04.30.26).

2. Includes 158 shares purchased from the automatic reinvestment of dividends in February 2026 as a participant in First Commonwealth's dividend reinvestment plan.

Remarks:

	/s/ Matthew C. Tomb POA for Aradhna M. Oliphant	05/01/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)